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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,067 | $91,167-85.7% | $178,498-92.7% | $79,858-83.6% |
| Participation rate | 26.1% | 69.2%-43.1pp | 81.9%-55.8pp | 69.6%-43.5pp |
| Annual return | 13.64% | 24.19%-10.6pp | 151.09%-137.5pp | 31.72%-18.1pp |
| Employer contribution / active EE | $435 | $3,255-86.6% | $5,011-91.3% | $2,471-82.4% |
| Participant deferral / active EE | $1,328 | $3,236-58.9% | $5,202-74.5% | $3,740-64.5% |
| Admin fee / account holder | $3,028 | $6,747-55.1% | $13,985-78.3% | $5,306-42.9% |